GLOBAL RATING AUTHORITY

GRA Submission Services Terms and Conditions

Global Rating Authority
Last Updated: July 31, 2026

Introduction and Acceptance

These GRA Submission Services Terms and Conditions (the “Terms”) govern the submission and processing of collectibles submitted to Global Rating Authority LLC, a Delaware limited liability company (“GRA,” “we,” “us” or “our”), for identification, authenticity screening, grading, documentation, encapsulation and registry record issuance (collectively, the “Services”).

These Terms apply to every person or entity that submits an Item by mail, uses a GRA submission portal, submits an Item in person when available, purchases Services or otherwise requests Services (a “Customer,” “you” or “your”). By placing an order or submitting an Item, you acknowledge that you have read and agree to these Terms.

IMPORTANT: These Terms include shipping and insurance limits, limitations of liability, a grading-review procedure and dispute-resolution provisions. Do not submit an Item if you do not agree to these Terms.

GRA may update these Terms prospectively by posting a revised version with a new effective date. The version accepted when an order is placed will govern that order, except where a later change is required by law or expressly accepted by the Customer.

1. Definitions

Certification Number. the unique identifier assigned by GRA to a certified Item and associated registry record.

Declared Value. the Customer’s good-faith estimate of an Item’s fair-market value at the time of submission, subject to the $100-per-Item limit.

Item. a trading card or other collectible that GRA accepts for Services.

Registry. GRA’s proprietary verification database containing certification information and related documentation. The Registry is not a blockchain.

Submission. one or more Items submitted under a single order.

Submission Content. images, measurements, notes, subscores, identification information, certification data and other records created or supplied in connection with a Submission.

2. Scope of Services

Depending on the selected service and the Item, GRA’s Services may include:

Submission-kit preparation, prepaid shipping labels and intake documentation;

Item identification and authenticity or alteration screening;

High-resolution imaging and condition documentation;

Structured evaluation of centering, corners, edges, surface and print quality;

Assignment of a final grade and attribute subscores, when applicable;

Encapsulation in a tamper-evident holder;

Issuance of a Certification Number and Registry record; and

Return shipment of the completed Item.

GRA may change prospectively the categories, dimensions or types of Items it accepts. The service description displayed and accepted at checkout controls the applicable price and included features.

3. Eligibility and Customer Accounts

A Customer must be at least 18 years old and legally capable of entering a contract. GRA may require an account and accurate contact, payment, shipping and identification information. You are responsible for keeping your information current and protecting access to your account.

GRA may refuse or suspend service when reasonably necessary to address fraud, tampering, safety, prohibited activity, payment problems, repeated noncompliance or misuse of GRA systems.

4. Submission Requirements

You agree to:

Follow GRA’s published submission and packaging instructions;

Use the GRA-provided protective materials and prepaid label when seeking GRA shipping coverage;

Submit only eligible Items with an accurate description and Declared Value;

Avoid binders, frames, unrelated promotional materials or unapproved packaging; and

Place Items in the sequence and individually labeled packaging required for the order.

If a Submission does not conform to these requirements, GRA may contact you, correct minor packaging or sequencing issues, return the Submission or decline to process it. GRA will disclose and obtain authorization for any material additional charge before proceeding, except for charges already accepted at checkout.

5. Service Levels, Declared Value and Fees

5.1 Standard Service

Standard Service is $29.99 per Item, with an estimated seven-business-day turnaround after intake. The maximum Declared Value is $100 per Item.

5.2 Bulk Service

Bulk Service is $19.99 per Item for Submissions of 20 or more Items, with an estimated seven-business-day turnaround after intake. The maximum Declared Value is $100 per Item.

5.3 Express Service

A 48-business-hour Express Service may be available by advance arrangement through Customer Service. Price and availability will be disclosed and accepted before the Submission is placed. The maximum Declared Value is $100 per Item. The Express period begins after GRA opens, identifies and logs the Item; shipping time, weekends and holidays are excluded.

5.4 Declared Value

You must provide a reasonable and accurate Declared Value for each Item. Declared Value is used for service eligibility, shipping coverage and liability limits. It is not an appraisal, purchase offer or promise of present or future value.

GRA does not charge a value-based grading upcharge, including when an Item becomes more valuable after grading. GRA may reject or return an Item believed to exceed the $100 maximum Declared Value. Any grading fee for an unprocessed Item will be handled under Section 14.

6. Turnaround Times

Displayed turnaround times are good-faith estimates, not guaranteed delivery dates. Turnaround begins on the first business day after the Item is received, opened, identified, logged, accepted for processing and fully paid.

Turnaround excludes transit time, weekends, recognized holidays and time spent awaiting Customer information, approval or payment. Authenticity concerns, identification problems, special handling, carrier disruptions, system outages and circumstances outside GRA’s reasonable control may cause delay. GRA is not responsible for market changes or lost sales opportunities arising from delay.

7. Shipping, Insurance and Risk of Loss

7.1 Eligible Territory

Free standard shipping both ways is available for eligible orders to and from addresses in all 50 United States. Puerto Rico, other United States territories, international destinations, expedited delivery and special handling are excluded unless GRA agrees otherwise in writing.

7.2 GRA Submission Kit

GRA will provide approved protective materials, individually labeled card packaging, a shipping container and a prepaid USPS inbound label. The Customer must use the supplied materials and label and follow GRA’s instructions to qualify for inbound coverage.

7.3 Inbound Coverage

An eligible inbound shipment using GRA’s supplied packaging and USPS label is covered up to the lesser of the Item’s substantiated fair-market value or $100 per Item, and no more than $1,000 per package. Coverage begins when USPS records physical possession and ends when GRA records the Item through intake.

Coverage may be denied or reduced when required packaging was not used, the package was inadequately sealed, an Item was omitted from the order, value cannot be substantiated, a label was altered or duplicated, or an ineligible or prohibited Item was shipped.

7.4 Split Shipments

When the combined Declared Value exceeds $1,000, GRA will provide or require multiple shipping kits so no package exceeds $1,000 in total Declared Value. A Customer who places more than $1,000 of Declared Value in one package accepts that total coverage remains capped at $1,000 unless GRA confirmed additional coverage in writing before shipment.

7.5 Customer-Provided Shipping

If a Customer uses a label or shipping method not provided or expressly approved by GRA, the Customer assumes inbound risk until GRA receives and logs the Item and is responsible for obtaining any desired insurance.

7.6 Return Shipping

GRA will return completed Items through USPS using a trackable method. Return coverage is limited to the lesser of substantiated fair-market value or $100 per Item and $1,000 per package. Signature confirmation is required when a return package has $1,000 in total Declared Value. Split-shipment rules apply to returns exceeding the package limit.

7.7 Shipping Claims

The Customer must promptly notify GRA of a potentially lost or damaged shipment and cooperate with USPS or insurance requirements. GRA may require proof of ownership and value, photographs, packaging records, purchase or sales information, a signed statement or a police report. GRA does not guarantee carrier approval of a claim.

7.8 Additional or Different Coverage

Any insurance amount, coverage limit, shipping arrangement or other protection that differs from the limits expressly stated in these Terms must be confirmed in writing by GRA Customer Service before the applicable package is shipped. A binding written confirmation must identify the applicable order number, package, approved coverage amount, carrier and effective shipment date. A verbal statement, estimate, marketing statement, submission note or assumption by a Customer does not create binding additional coverage. Unless GRA Customer Service provides that written confirmation before shipment, the coverage limits in Sections 7.3, 7.4 and 7.6 control.

8. Inspection Upon Return

You must inspect the returned package promptly, including Item count and identity, holder condition, label information, Certification Numbers and visible shipping damage. Visible damage, missing Items or label discrepancies must be reported within 10 business days after delivery.

A report must include the order number, Certification Number, description of the issue and clear photographs of the Item, holder, label and package. Retain all packaging until GRA confirms it is no longer required. The reporting period does not waive rights that cannot legally be waived.

9. Authentication, Evaluation and Grading

9.1 Evaluation Process

Every Item that receives a numerical grade is first screened for authenticity and alteration. GRA may use Item identification, reference comparison, physical measurements, high-resolution imaging, computer-assisted condition analysis, human grader verification, secondary review and final quality control.

Technology assists GRA’s graders but does not eliminate professional judgment. A grade represents GRA’s professional opinion under its standards, procedures and information available at the time of evaluation.

9.2 Authenticity and Alteration Screening

GRA’s screening is designed to identify reasonably detectable evidence of counterfeiting, trimming, recoloring, cleaning, restoration, surface treatment, component replacement or other material alteration. No process can guarantee detection of every technique. GRA’s conclusion is an opinion based on the Item and methods available at the time.

9.3 Grades and Subscores

GRA may issue a final numerical and descriptive grade, attribute subscores, identification information, inspection images, grader notes and a digital certification record. The final grade is not necessarily a mathematical average of subscores; certain defects may limit the final grade under GRA’s published standards.

9.4 Market Value

A GRA grade does not guarantee a selling price, appreciation, liquidity, marketplace or insurer acceptance, or the grade another service may assign. GRA does not provide investment advice.

10. Authenticity Not Confirmed, Altered or Ineligible Items

GRA may decline to assign a numerical grade when an Item appears counterfeit, forged, trimmed, recolored, cleaned, restored, materially altered, stolen, too fragile, unsafe or outside accepted categories or dimensions.

When authenticity cannot be confirmed or evidence of alteration is identified, GRA generally will return the Item ungraded and may report “Authenticity Not Confirmed,” “Evidence of Alteration” or a similar nonconclusive result. The full grading fee remains payable because examination work was performed. GRA will not place such an Item in a standard numerically graded GRA holder.

GRA will retain or surrender an Item only when required by law, court order, law enforcement or a substantiated stolen-property claim. Where legally permitted, GRA will notify the Customer.

11. Grading Review

A Customer may request one grading review within 10 business days after delivery. The Item must remain in its original, untampered GRA holder. There is no review fee. The final grade may remain the same, increase or decrease.

The Customer pays review shipping when the grade does not change. GRA pays standard shipping when GRA changes the grade. A request made after the review period may be treated as a new paid Submission. A review does not guarantee a grade change.

12. Grade Guarantee

Subject to this section, if GRA determines that it materially overgraded an Item or incorrectly certified its authenticity, GRA may provide the remedies reasonably applicable to the confirmed error:

Correct the certification and Registry record;

Reholder the Item at no charge;

Refund the original grading fee; and

Pay the documented reduction in fair-market value caused by the confirmed error, subject to a maximum total payment of $100 per Item.

To qualify, the Item must remain in its original, untampered GRA holder and be provided to GRA for inspection. The claimant must establish lawful ownership and provide reasonably requested documentation. GRA may determine fair-market value using recent comparable sales, purchase information, marketplace or auction data and the Item’s condition.

Another grading company’s opinion alone does not establish a GRA error. The Grade Guarantee excludes future appreciation, speculative value, sentimental value, lost profit, market movement after the error is discovered and damage occurring after certification. All remedies combined are capped at $100 per Item.

13. Encapsulation, Labels and Registry

13.1 Ownership and Intellectual Property

After payment for Services, the Customer owns the physical holder and label supplied with the certified Item. GRA retains all intellectual-property rights in its trademarks, logos, grading standards, holder and label designs, security features, software, reports and Registry systems. Physical ownership does not authorize reproduction, imitation or commercial exploitation of those elements.

13.2 Holder Integrity

A GRA holder is tamper-evident but is not indestructible or waterproof and cannot prevent every environmental or physical risk. If a holder is opened, broken, materially damaged, altered or separated from the Item, the grade and certification may cease to apply, the Registry may be flagged and reholdering or reevaluation may be required.

13.3 Registry Records

GRA may publicly display a Certification Number, Item identification, grade, subscores, images, certification status and other nonpersonal verification information. GRA may correct administrative or identification errors and flag, suspend or deactivate a certification associated with fraud, tampering, material error or misuse. The Registry is a proprietary database and is not a public or private blockchain.

13.4 Prohibited Certification Misuse

Reusing a Certification Number for another Item;

Placing a GRA label in an unauthorized holder;

Altering a label, security feature or Registry image;

Presenting a deactivated certification as active; or

Using GRA certification information to mislead or defraud.

14. Images, Documentation and Data Rights

GRA may create and retain Submission Content to provide and verify Services, maintain certification records, prevent fraud, improve standards and technology, train and evaluate internal systems, resolve disputes, support insurance or marketplace verification and display nonpersonal certification information.

The Customer grants GRA a nonexclusive, worldwide, perpetual and royalty-free license to create, retain and use Submission Content for those purposes. GRA will not publicly display a Customer’s home address, payment information, private communications or other private account information as part of a Registry record. GRA’s Privacy Notice separately governs personal information.

15. Lost, Stolen or Damaged Items in GRA Custody

GRA will exercise commercially reasonable care while an Item is in its custody and control. If GRA determines that an Item was lost, stolen or materially damaged in GRA’s custody, GRA’s maximum responsibility is the Item’s substantiated fair-market value immediately before the event, capped at $100 per Item and $1,000 per Submission or package.

GRA may determine fair-market value using recent comparable sales, purchase documentation, marketplace and auction records, the Item’s pre-event condition and other reasonably reliable information. Payment may require proof of ownership and value, cooperation with an investigation, transfer of a recovered or damaged Item, and a reasonable claim release.

GRA is not responsible for sentimental value, speculative appreciation, lost profit, missed sales or other indirect or consequential loss. Nothing limits liability that cannot legally be limited.

16. Payments, Cancellations and Refunds

Charges will be disclosed before payment. A Customer may request cancellation before GRA begins identification, authentication or evaluation. If accepted, GRA may deduct actual shipping, packaging, payment-processing and reasonable handling expenses.

Once examination or grading work begins, grading fees are nonrefundable except under the Grade Guarantee or applicable law. The full fee applies when authenticity cannot be confirmed, an alteration is detected or an Item is otherwise ineligible after examination. GRA will obtain authorization before imposing a material additional charge not accepted at checkout.

Improper chargebacks or reversals may result in account restrictions or lawful collection activity. GRA will not deactivate an otherwise valid certification merely to compel payment of an unrelated disputed amount.

17. Prohibited Use and Fraud Prevention

You may not knowingly submit stolen, counterfeit or materially altered Items; misuse Certification Numbers; reproduce security features; interfere with GRA systems; submit false claims; or use the Services for deception or unlawful activity.

GRA may share relevant information with service providers, carriers, insurers, marketplaces, payment processors, rights holders or law enforcement when reasonably necessary to provide Services, investigate a claim, prevent fraud, protect Registry integrity or comply with law.

18. Disclaimer of Warranties

Except for the express Grade Guarantee in Section 12 and any written shipping coverage described in Section 7, the Services are provided on an “as available” basis. Grading and authentication are professional opinions based on the Item, reference information, procedures, technology and standards available at the time.

GRA does not warrant that another grading company will agree, every hidden alteration will be detected, an Item will achieve a particular value, a marketplace or insurer will accept certification, or the website and Registry will operate without interruption. Nothing excludes warranties or consumer rights that cannot legally be excluded.

19. Limitation of Liability

To the fullest extent permitted by law, GRA is not responsible for indirect, incidental, special, punitive or consequential damages, including lost profit, lost opportunity, sentimental value or market-price movement.

Shipping claims are governed by Section 7. Claims for Items lost, stolen or damaged in GRA custody are governed by Section 15. Grade Guarantee claims are governed by Section 12. For all other claims relating to a particular Item, GRA’s maximum aggregate responsibility will not exceed the amount paid to GRA for Services on that Item, except where applicable law requires otherwise or the loss results from fraud, willful misconduct or liability that cannot legally be limited.

20. Governing Law and Dispute Resolution

These Terms and disputes arising from the Services are governed by New York law, without regard to conflict-of-law principles.

Before filing a legal action, the Customer and GRA will attempt in good faith to resolve the dispute informally. The Customer must send written notice to the address or email in Section 22 and include the Customer’s contact information, order and Certification Numbers, description of the dispute, supporting documentation and requested resolution. GRA will have 30 days after receiving a complete notice to investigate and respond.

If unresolved, an eligible claim may be filed in small-claims court. Any other action must be brought in a state or federal court of competent jurisdiction located in Nassau County, New York, except where applicable law permits or requires the Customer to proceed elsewhere. Each party consents to those courts’ jurisdiction and venue.

Nothing prevents either party from seeking temporary or emergency relief necessary to prevent fraud, intellectual-property misuse or irreparable harm.

21. Force Majeure

GRA is not responsible for a failure or delay caused by circumstances beyond its reasonable control, including natural disaster, severe weather, carrier disruption, labor disruption, government action, public-health emergency, utility or system outage, cyberattack, civil disorder, war, terrorism or supply shortage. GRA will use commercially reasonable efforts to resume affected Services.

22. Notices and Customer Service

Questions, claim notices, grading-review requests and legal notices should be directed to:

Global Rating Authority LLC

6800 Jericho Turnpike, Suite 120W

Syosset, New York 11791

support@globalratingauthority.com

Customer-service inquiries are generally answered within two business days. This is a response target and not a guarantee of 24-hour or seven-day-a-week support.

For shipping claims, include “Shipping Claim” and the order number in the subject line. For grading reviews, include “Grading Review” and the Certification Number.

23. General Provisions

Severability. If any provision is held invalid or unenforceable, the remaining provisions remain effective and the affected provision will be enforced to the maximum extent permitted.

No Waiver. A failure to enforce a provision is not a waiver of that provision or any later breach.

Assignment. You may not assign these Terms without GRA’s written consent. GRA may assign these Terms in connection with a merger, reorganization, financing or sale of substantially all relevant assets, subject to applicable law.

Entire Agreement. These Terms, the accepted checkout terms, applicable service description and Privacy Notice form the agreement concerning the Services. If a specific written service term conflicts with these general Terms, the specific term controls for that service.

Electronic Communications. You consent to receive transaction-related communications electronically at the email address or telephone number provided with the order, subject to applicable law.